BankAmericard® Secured Credit Card

The BankAmericard® Secured Credit Card lives up to its name. Not only does it help cardholders establish and restore their credit, but it also provides added security for shopping and banking online.

A minimum deposit of $300 is required to open this account. The maximum credit line, $4900, is determined by your income, the amount of the security deposit, and your ability to pay. After 12 months, you may get your security deposit back if your account is reviewed.

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  • Rewards


  • Signup Bonus None
  • Chip Technology Chip-and-Signature
  • Foreign Transaction Fee 3%
  • Intro Balance Transfer APR -
  • Regular Balance Transfer APR 20.24% (Variable)
  • Cash Advance APR 20.24%-24.99% (Variable)
  • Penalty APR Up to 29.99% (Variable)
  • Late Fee Up to $38
  • Returned Payment Fee Up to $27

Card Benefits

Check your card's Guide to Benefits to learn the specific benefits your card offers and how to access them. Learn more about credit card benefits here.

Account Management

  • Account Alerts: Get alerts about account information on your phone.
  • Mobile Banking: Pay your credit card bill online, transfer funds, check available credit and more.
  • Text Banking: Send a text and get important account information.


  • Fraud Protection: You will not be held responsible for unauthorized use of your card.
  • ShopSafe®: Protection when you are shopping online.

Visa Benefits

  • This card comes with Visa benefits. You will be provided with a list of benefits available to you once you get approved for your card.

Visitor Reviews

Read about experiences others have had with this card and leave your own review here.

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Average rating:  
 5 reviews
by Phil
B of A secure card

I applied for a Bank of America Secured credit card about 11 months ago. I was rejected immmediately. Once I was saw I was rejected I called the bank immediately and spoke to a representative. They explained Y I was denied. I asked If I was able to receive one with a deposit and yes. I gave an $ 800.00 deposit and got my card in the mail in about 1 week. I have been using them ever since. My review is coming up next month hope I can get my deposit back.

by Big Boy
BOA Secured Card

This card in my opinion is not for individuals with bad credit. I have bad credit and was denied immediately. They sent a letter in the mail that was basic and gave no real explanation for the denial. I found out my credit union had a secured card I applied and was approved with a fantastic Apr of 9.75. Because of BOA I now have a hard inquiry on my credit report. Do yourself a favor and don't apply for this card. There're way better offers out there.

by Big Boy
BOA Secured Card

Beware BOA does a hard pull inquiry on your credit report. There's not a guarantee you'll be approved. Try obtaining a secured credit card.

by Vickie Brooks
Holds deposits too long unless direct deposit-also allows over charges at gas pumps

This card takes several days for checks and bank transfers to take place. Also allows for places like gas stations to add an extra $25+ on the charge for up to 8 days until they decide that you actually only purchased $10 worth of fuel. This card is advertised as being an alternative to check cashing places but it's really only for people with extra money to spend.

by Gldpoloski
Not easy

I applied for this card and offered $1,000 as a deposit and got rejected. The reason being was that my credit was not good enough. My mind was blown that I could not get a secured card with a bank I have been with for years. I went to capital one and was approved instantly. I now have 2 capital one cards that are unsecured.

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